reporting live in brown rick, frederick county, scott broom, 9news now, the first day back to class after sandy turns tragic in montgomery could be when a teenager leaves her live on the way to -- life on the way to school. >> also ahead early voters get their first chance to cast their ballots since shut down for sandy. >> now that sandy is long gone the real work begins. if you have clean-up questions about your insurance coverage we have a panel of experts ready to answer your questions, call (202)895-5560. we'll be back. >>> we survived the frightening wind and rain of hurricane sandy. just in time for halloween. but filing a claim with your homeowners' insurance company can be even more scary and sometimes a little confusing. so if you've got a question, call our insurance phone bank at (202)895-5560. we have assembled a team of experts to answer your questions including agents from joseph mccarton insurance. and i want to welcome back call for action advocate shirley rooker and shirley let's talk about some of the questions that you anticipate receiving this evening. >> it's going t